About MBA

MBA has served large and small employers, public entities, associations, tribal nations, school districts, non‐profit organizations and insurers. MBA has had the opportunity of administering of all types of employee benefit plans; from Section 125 administration for the Arizona Blue Cross Plan and its clients to a professional employee organization with 58 separate medical, dental, vision and consumer plans, to corporations with 25 employees. We invite you to look closely at MBA and what we offer you. We are confident, the closer you look at MBA the more you may find the depth of experience, the attitude of service and the commitment to successful benefit plans you are looking for now.

Mission Statement

“As a team of professionals, we are committed to delight those we serve with quality service, excellent performance, and respect for their individual needs. We are dedicated to fostering an environment of productivity, job satisfaction, harmony, and a willing attitude. We are committed to the highest standard of honesty, personal integrity, and fairness.”

“Our concern for the success of your employee benefit plans is the foundation of everything we do. Quality administration and service is the foremost character of our business which will help you meet your employee benefit objectives and goals. We believe our employees’ commitment to excellence will provide the satisfaction so important to an effective and successful business relationship.”

Our Objective

MBA’s objective is to provide successful benefit plan administration. We provide expertise through our staff members who have multi‐faceted experience. We bring you the latest technologies, creative benefit design, deepest available discounts, broadest networks, specialty resources and cost containment that really contains cost. We have access to a wide range of benefit solutions, broad exposure to reinsurance programs and health improvement initiatives that go far beyond “wellness”.

Our Commitment

Our commitment is what transforms our promises into reality. It is our words that speak boldly of our intentions, and our actions which speak louder than words. It’s being on time when we promise. It’s coming through time after time, year after year. Commitment is in our very nature.

MBA Benefit Administrators has been operating as a TPA (third party administrator) and a stop-loss insurance brokerage for the past 30 years, specializing in self insured plans for employers with 50+ lives.

HealthSteps fulfills the ever changing wellness needs of a group employee population, specializing in medical coaching of individuals who have health challenges which may be revealed through biometric testing and ongoing activity in a coordinated effort to improve the overall health of an employee population.

ELAPservices reduce the cost of providing health insurance and medical care for businesses, schools, and municipalities, and their employees by auditing and repricing claims to ensure fair compensation to the providers and transparency for the recipient of care.

Together, these firms provide a complete benefits program managing existing claims, lowering premiums, assessing and improving health, and providing a manner in which to facilitate accountability among a typically divergent suite of service providers.

“We found that (MBA's) estimates of claims expense were always reliable. This district saved many hundred thousands of dollars through our self-funded program, which Don set up and administered.”

—Gary Harmer, Business Administrator, Salt Lake City School District

“MBA is a pleasure to work with, and has consistently exceeded my expectations and been responsive to my client's needs.”

—Kenneth G . Kuhni, First West Brokerage Services.

“You and your entire organization were very helpful when we called with questions or concerns. Whenever there was a question ...it would generally be answered by the end of the telephone conversation with your claims personnel or within a day or two if research was necessary.”

We believe your investment in a health plan should be treated like any other aspect of your business, with upfront knowledge of the costs and all attempts to weed out waste. MBA saves employers more than nickels and dimes with many methods of management, including: Metrics Based Pricing: Why rejoice over a 30% discount on a claim that is 1000% too high? Metrics Based Pricing reduces claims to a “cost of service + reasonable margin” level by auditing claims for unfair markups and inaccurate or fraudulent billing. This results in an average $1500 per employee savings – AND WE DO IT WITHOUT RESTRICTIVE NETWORKS! Medical Management Services: Proven to reduce hospital admissions and the average length of stay. HealthSteps™: Wellness plans and initiatives that do make a difference in the overall health of your workforce and drive down health claims. Prescription Benefit Management: With an average reduction of 9.4%. Internet Prescription Bidding: Allowing employees to save up to 87%. Actuarial Projecting: The projection of benefit costs and savings is one of our underwriting core competencies. Go ahead – suggest benefit changes, add or drop a plan component, change eligibility: MBA will accurately determine the financial impact on the plan and offer suggestions to tweak the benefits to suit your objectives. We offer the facts then you call the shots.

Where else can you get a direct line to a claims adjudicator, plan manager or even the President of the company? Only at MBA Benefit Administrators. We’re the big third party administrator for health plans with personal service that you can only wish others would provide. Like talking to a friend over a fence, we have that neighborly feel…but we provide world class advantages.

Since 1987 MBA Benefit Administrators has successfully served large and small employers, public entities, associations, tribal nations, school districts, non-profit organizations and insurers. We have the capability to administer anything from single-plan 25-life groups to complex employee organizations with multiple medical, dental and vision benefits or employees in multiple states. We also provide a wide array of ancillary services such as COBRA and HIPAA administration and HSAs. When you discover:

The depth of our experience

The flexibility we offer in benefit design

Our commitment to technology to make your life easier

Our can-do attitude toward service

…we’re confident you too will see why MBA is a national leader in third party administrative healthcare benefits.

We’ve received national kudos for our multiple, proven strategies which reduce claims and plan costs without harmful benefit reductions for our clients’ employees. Proof of MBA’s effectiveness in this is in the numbers. Our clients see:

An immediate average reduction of up to 25% in maximum health plan costs the first year,

Flat renewals after that, and because of this and our commitment to impeccable service…

Our clients remain with us an average of 12 years…an unheard of accomplishment in the health insurance industry.

…and state-of-the-art technology for painless administration and integration of services, we make your life easier.

No one thinks about making your life easier and more efficient than MBA Benefit Administrators. Our technological investments are totally integrated across services so that employees and employers – with HIPAA-compliant and appropriate need-to-know safeguards – can view at a glance their standing for benefits, claims, plan reporting and other services. These advancements provide:

Almost every larger employer (50+ employees) annually shops their company’s health insurance. Rapidly rising rates and diminishing benefits have traditionally caused them to shop this aspect of company insurances more than any other.

With very little work this easily opens a lot of doors you wouldn’t otherwise get through. Furthermore, local employers like local expertise. They welcome the neighborhood broker who can answer service questions or help with the employee enrollment process. All you have to do is be ready with competitive products at the appropriate time.

There are a lot of needs that are begging for solutions within the corporate world, whether that world employs 50 or 5,000. CEOs and business owners want to retain key employees or prepare themselves for the future. Employees need guidance during life changes, such as an impending retirement, the buying of a new house or the birth of a child.

If you wander the halls of your group clients under the guise of service, you’ll be surprised what you uncover and how much more you can sell – just because you’re accessible.

With very little work this easily opens a lot of doors you wouldn’t otherwise get through. Furthermore, local employers like local expertise. They welcome the neighborhood broker who can answer service questions or help with the employee enrollment process. All you have to do is present your own insurance lines and solutions – the same products you currently sell – when the need arises…and it will!

…the list could go on and on. MBA doesn’t provide these products, but with the group health business already captured you’ll be in a position to favorably present your own policies and services.

Each easy cross-sell has the potential to be very profitable as now you, the group health broker, are a trusted resource. Make one sale and it won’t be long before everyone wants to talk to you just because you are the tacit face of insurance within a group client’s company.

3. The larger group health market offers long term financial stability.

It is a proven fact that the more products you have in place within a group the less likely it is that some other broker will be stealing your business. With a competitive group health plan, a passion for service and additional products in place, employers think twice about switching brokers. MBA, for example, has an average client retention rate of 12 years.

Group health is rarely a stand-alone product. With today’s tax codes a group health plan almost always immediately calls for HSAs, COBRA administration and the like. In addition you’ll be finding a lot of ancillary sales.

That’s a good, stable building block for a broker’s income. Year after year the same commission is paid the broker and year after year the deep well for cross-sells keeps on giving.

In the meantime, adding new groups just keeps the broker’s income growing to the upside.

4. Commissions are recurring and high, perhaps higher than any other product line.

To put things into perspective:

• What’s the average commission on a home owner’s or auto policy?
• How often do you dig up on your own a million dollar life policy or high 6-figure annuity?
• How easy is it to scrape up new business?

Contrast that with the group health broker. MBA, for example, pays brokers handsomely (on average $25 per employee per month) for every group they sign up. On top of this are your multiple cross-sells for several product lines. With a good base group health income and constant cross-sells, a commission from one group can rack up quickly.

4. Commissions are recurring and high, perhaps higher than any other product line.

To put things into perspective:

• What’s the average commission on a home owner’s or auto policy?
• How often do you dig up on your own a million dollar life policy or high 6-figure annuity?
• How easy is it to scrape up new business?

Contrast that with the group health broker. MBA, for example, pays brokers handsomely (on average $25 per employee per month) for every group they sign up. On top of this are your multiple cross-sells for several product lines. With a good base group health income and constant cross-sells, a commission from one group can rack up quickly.